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How Private Insurance can be a good choice for Young Adults!




Hey there, new adults! So, you've been kicked off your parents' health plan—now what? Private health insurance might just be your ticket to peace of mind without breaking the bank. Let's break it down.


Affordable Options Starting Under $100/Mo

First off, let's talk affordability. At Utah Avenue Insurance, more than half of their clients pay less than $50 a month for their health plan. That is if they qualify for subsidies on the Marketplace. Seriously, that's like the cost of a couple of fancy coffees each month. If you don't qualify for subsidies, private health plans can be a great option to still get a health plan for under $100/mo.


Marketplace Plans and Subsidies

You might have heard about the Health Insurance Marketplace. It's a goldmine for subsidized plans. Depending on your income (usually between 100% and 400% of the federal poverty level), you could score premium tax credits that slash your monthly premiums. That means more cash in your pocket for, well, life.


When Work Plans Just Don't Cut It

Employer-sponsored plans can sometimes be pricey, especially when you're covering more than just yourself. Most employers foot part of the bill for employees but not always for family members. If your job's plan is too pricey, private health insurance could be your money-saving hero. Depending on how much your employer is willing to contribute to your portion of your health plan, sometimes the individual premium is still too pricey. This is where a private health plan could be a good fit.


Navigating the Underwriting Maze

Sure, private plans might involve some health checks. But don't sweat it—with a local agent like Utah Avenue, you'll have expert help navigating the process to find the right plan for your needs.


Limitations? Let's Talk

Now, here's the scoop: private plans can come with a few limitations. They might not cover everything like fancy prescription drugs or all the free preventive care goodies. Plus, they might not play nice with pre-existing conditions. But the trade-off? Lower premiums and national coverage.


Benefits for the Self-Employed Crew

If you're flying solo with your hustle, private health insurance is a game-changer. It's predictable, tax-deductible, and puts you in the driver's seat of your healthcare.


Get Personalized Guidance

Want to dive deeper? Reach out to a local agent at Utah Avenue. They'll hook you up with the best private health insurance options, guide you through subsidy eligibility, and make sure you're covered without the stress.


Wrap Up

So, is private health insurance worth it for you and your crew? Absolutely. It's about taking control of your health and finances. With the right coverage, you'll have peace of mind knowing you're covered when life throws a curveball. Ready to roll? Let's get you covered!

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